AI Technology Accelerates Online Scams in Malaysia E-Commerce — Eter News

Enriched Analysis 深度解析

AI Technology Accelerates Online Scams in Malaysia E-Commerce人工智能技术��剧马来西亚电商��络诈骗

Cybersecurity experts warn that AI enables syndicates to generate realistic text, voice clones, and deepfake videos for e-commerce fraud in Malaysia, compounding risks alongside QR code and refund exploits.网络安全专家警告，人工智能使诈骗集团能够生成逼真文本、声音克隆与深��视频，在马来西亚实施电商诈骗，并结合二维码及退款漏洞加大防范难度。

Sinar Harian 23 Jul 2026 2026年7月23日

3B29.7亿

Annual Online Scam Losses年度网络诈骗损失额

1.5B14.7亿

Investment Scam Losses虚假投资诈骗损失

8787

Online Scam Case Growth网络诈骗案数量增幅

01The Story新闻事实

Cybersecurity experts warn that AI enables syndicates to generate realistic text, voice clones, and deepfake videos for e-commerce fraud in Malaysia, compounding risks alongside QR code and refund exploits.网络安全专家警告，人工智能使诈骗集团能够生成逼真文本、声音克隆与深��视频，在马来西亚实施电商诈骗，并结合二维码及退款漏洞加大防范难度。

  • Malaysia recorded 66,204 online fraud cases in 2025, an 87% increase from 2024.马来西亚2025年记录66,204起网络诈骗案，较2024年增长87%。
  • AI tools eliminate language errors and allow scammers to generate realistic images, voice clones, and deepfakes.AI消除语法错误，并协助诈骗分子生成高精图像、声音克隆与深伪视频。
  • Seniors over 50 face high risks from low digital literacy, while young online shoppers are also targeted.50岁以上群体因数字素养较低面临高风险，年轻网购者亦常成为目标。
  • Syndicates exploit digital payment systems to transfer funds overseas rapidly, hindering cross-border law enforcement.诈骗集团利用数字支付系统快速将资金转移至境外，给跨境执法带来挑战。

AI capabilities lower the threshold for sophisticated online fraud, transforming traditional e-commerce security into a complex multi-stakeholder challenge in Malaysia.人工智能降低了高阶网络诈骗门槛，将马来西亚电商安全问题演变为多方协作治理难题。

024 Dimensions维度分析

Consequence影响推演

Macro Trend & Financial Losses宏观趋势与经济损失

Rapid digital economy growth in Malaysia has driven total online scam financial losses up by 89.2% year-over-year in 2025.马来西亚数字经济快速发展，推动2025年网络诈骗总损失额同比激增89.2%。

Annual Online Scam Losses年度网络诈骗损失额

20252025年3B MYR

  • Total financial losses from online scams in Malaysia reached RM 2.97 billion in 2025.2025年马来西亚网络诈骗造成的总经济损失达到29.7亿林吉特。
  • Online scam cases in Malaysia surged from 35,368 in 2024 to 66,204 in 2025.马来西亚网络诈骗案从2024年的35,368起激增至2025年的66,204起。
Comparison对比

Scam Modus Operandi Breakdown诈骗手法分类占比

Non-existent investment schemes generated the highest financial losses among all scam types in Malaysia during 2025.虚假投资诈骗成为2025年马来西亚造成损失最大的单项诈骗类型。

Investment Scam Losses虚假投资诈骗损失

20252025年1.5B MYR

  • Non-existent investment scams caused RM 1.47 billion in financial losses in Malaysia in 2025.2025年虚假投资诈骗在马来西亚造成14.7亿林吉特损失。
  • Telecommunications scams recorded 28,388 cases with RM 802.47 million in losses in 2025.2025年电信诈骗立案28,388起，造成损失8.0247亿林吉特。
Stakeholder impact利益相关方

Demographic & Merchant Risks受害群体与商家风险

AI-driven fraud targets vulnerable senior citizens while also inflicting fraudulent refund losses on legitimate online sellers.人工智能诈骗既针对数字弱势的年长群体，也通过虚假退款侵蚀合规电商商家利益。

Online Scam Case Growth网络诈骗案数量增幅

87 %87%

2024-20252024-2025年

  • Seniors over 50 face elevated risks due to low digital literacy and awareness of deepfake technology.50岁以上年长者因数字素养较低且缺乏对深伪技术的认知而面临更高风险。
  • Legitimate merchants report increased losses from fake payment receipts and refund policy abuse.合规商家报告称虚假支付凭证和退款政策滥用导致的损失有所增加。
Future signal前瞻信号

Regulatory & Enforcement Trajectory监管与执法应对

Malaysia is strengthening legal frameworks and international cooperation to combat cross-border AI cybercrime.马来西亚正通过完善立法与强化跨国合作应对跨境AI网络犯罪。

Scam Losses in Early 20262026年前5个月诈骗损失

830M MYR8.3亿林吉特

Jan-May 20262026年1-5月

  • In the first five months of 2026, Malaysia recorded RM 830 million in online scam losses.2026年前五个月，马来西亚网络诈骗损失额已达8.3亿林吉特。
  • The Malaysian government is preparing the Cybercrime Bill 2026 to enhance enforcement powers.马来西亚政府正推进《2026年网络犯罪法案》立法以扩大执法授权。

03Timeline时间线

  1. 2024 Malaysia recorded 35,368 online scam cases totaling RM 1.57 billion losses.马来西亚记录35,368起网络诈骗案，总损失15.7亿林吉特。
  2. 2025 Scam cases surge 87% to 66,204; total losses reach RM 2.97 billion.诈骗案激增87%至66,204起，总损失达29.7亿林吉特。
  3. 2026-05 Online scam losses in Malaysia reach RM 830 million from Jan-May 2026.2026年前五个月网络诈骗累计损失额达8.3亿林吉特。
  4. 2026-07-23 Cybersecurity expert warns of AI-assisted e-commerce fraud tactics in Malaysia.网络安全专家警告马来西亚AI辅助电商诈骗新手段。

Key takeaway核心结论

Combating AI-driven e-commerce fraud requires coordinated cross-border enforcement, stricter platform verification, and enhanced public digital literacy in Malaysia.打击AI驱动的电商诈骗需要在马来西亚实施跨国协同执法、严格平台审核并提升公众数字素养。

04What to Watch后续关注

  1. Enactment and enforcement details of Malaysia Cybercrime Bill 2026.马来西亚《2026年网络犯罪法案》的立法与执法实施细节。
  2. Implementation of real-time AI deepfake detection by e-commerce platforms.电商平台对实时AI深伪检测技术的应用进度。
  3. Cross-border fund recovery protocols between Malaysian authorities and international counterparts.马来西亚与国际执法机构之间的跨境资金追缴机制。

05Uncertainties不确定因素

  • Speed of AI deepfake generation tech relative to platform detection capabilities.AI深伪生成技术演进与平台检测能力之间的博弈速度。
  • Recovery rate of scam funds routed through overseas digital payment channels.通过境外数字支付渠道流出诈骗资金的追缴回收率。

06Sources信息来源

  1. Penipuan AI dalam e-Dagang | Sinar HarianPenipuan AI dalam e-Dagang | Sinar Harian Sinar Harian · 2026-07-23
  2. Malaysia Online Scam Loss Hits RM 2.97 Billion in 20252025年马来西亚网络诈骗损失额达29.7亿林吉特 Sinar Harian / Astro Awani · 2026-01-15
  3. Malaysia Drafts Cybercrime Bill 2026 to Combat Digital Scams马来西亚拟定《2026年网络犯罪法案》打击数字诈骗 RTM / Berita Harian · 2026-02-10

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